SOFI
Sofi Technologies, Inc. Financials Finance Services Russell 3000
$16.76Close
$21.3BMarket cap
$14.22 – $32.2152-week range
Jan 26, 2027Next report · estimated
Highlights
Strengths
- Earnings growing EPS +41% year on year
Cautions
- Not in an uptrend 1 of 8 trend conditions
- Lagging the market RS 18 · weaker than 82% of stocks over 12 months
- Far from its high 48% below its 52-week high
Price
Filing Results Screen pick 52-week high and low Adjusted prices
Key figures
Off 12-month high
48%
1wk
up 14.7%
price change
1mo
up 6.6%
price change
12-month return
down 42%
market up 11% ·
its own down 57%
F-score
—
— Not assessed
Altman Z
—
Unknown
P/E
44.2×
price / earnings
PEG
—
P/E / EPS growth
P/B
2.0×
price / book
Earnings yield
—
EBIT / enterprise value
Cheaper than
—
of the market · not assessed
Revenue growth
up 23%
year on year
EPS growth
up 41%
latest quarter · -61 pts
Sales growth
up 1%
latest quarter · +9 pts
ROE
up 6%
return on equity
Free cash margin
—
D/E
0.17
long-term debt / equity
Net debt / EBITDA
—
Interest cover
—EBIT / interest
Piotroski tests
Repair signals
- Long-term debt down 41% ($3.1B → $1.8B)
Trade setup
ATR%
4.6%
$0.78 a day · 2×ATR $15.20
RS
18 / 99
vs the universe
Trend
1 / 8
trend template
Relative volume
1.3×
vs 50-day average
Up/down volume
0.89
50 sessions
Implied move
—
no scheduled report
Trend template · 1 of 8
- Price above the 50-day average: passes
Screen verdict
Did not qualify for any screen.
Warning signs
- Shareholders diluted The share count rose 16.0% over the year, from 1.1bn to 1.3bn shares. Each existing share owns a smaller fraction of the company than it did a year ago.
- Gross margin narrowing Gross margin fell from 8.2% to 1.7%. The company is keeping less of each dollar of sales than it did a year ago.
Last reported
Oct 27, 2026
Results reaction
Oct 27, 2026+18% vs market2 sessions after results
Financials
- Gross 2%
- Net 78%
- Cash
- Long-term debt
| FY2020Dec 31, 2020 | FY2021Dec 31, 2021 | FY2022Dec 31, 2022 | FY2023Dec 31, 2023 | FY2024Dec 31, 2024 | FY2025Dec 31, 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $103.3M | $247.7M | $377.1M | $421.5M | $503.1M | $619.4M |
| Gross margin | -73% | -4% | 17% | 10% | 8% | 2% |
| Net income | -$224.1M | -$483.9M | -$320.4M | -$300.7M | $498.7M | $481.3M |
| Net margin | -217% | -195% | -85% | -71% | 99% | 78% |
| Earnings per share | -$3.03 | -$0.92 | -$0.36 | -$0.32 | $0.45 | $0.38 |
| Cash | $872.6M | $494.7M | $1.4B | $3.1B | $2.5B | $4.9B |
| Long-term debt | $4.8B | $3.9B | $5.5B | $5.2B | $3.1B | $1.8B |
| Shareholders' equity | -$120.1M | $4.4B | $5.2B | $5.2B | $6.5B | $10.5B |
| Shares outstanding | 115.08m | 828.15m | 933.90m | 975.86m | 1.10bn | 1.27bn |
Filings
| Filed | Report | Period to | Lag |
|---|---|---|---|
| Aug 6, 2026 | Quarterly ↗ | Jun 30, 2026 | 37d |
| May 7, 2026 | Quarterly ↗ | Mar 31, 2026 | 37d |
| Feb 17, 2026 | Annual ↗ | Dec 31, 2025 | 48d |
| Nov 6, 2025 | Quarterly ↗ | Sep 30, 2025 | 37d |
| Aug 7, 2025 | Quarterly ↗ | Jun 30, 2025 | 38d |
| May 6, 2025 | Quarterly ↗ | Mar 31, 2025 | 36d |
| Feb 24, 2025 | Annual ↗ | Dec 31, 2024 | 55d |
| Nov 7, 2024 | Quarterly ↗ | Sep 30, 2024 | 38d |
| Aug 6, 2024 | Quarterly ↗ | Jun 30, 2024 | 37d |
| May 7, 2024 | Quarterly ↗ | Mar 31, 2024 | 37d |
| Feb 27, 2024 | Annual ↗ | Dec 31, 2023 | 58d |
| Nov 8, 2023 | Quarterly ↗ | Sep 30, 2023 | 39d |
Current reports
| Filed | Disclosed |
|---|---|
| Oct 27, 2026 | Results ↗ |
| Jul 29, 2026 | Results ↗ |
| Jun 18, 2026 | Shareholder vote ↗ |
| Apr 29, 2026 | Results ↗ |
| Jan 30, 2026 | Results ↗ |
| Jan 9, 2026 | Director or officer change ↗ |
| Jan 5, 2026 | Other events ↗ |
| Dec 8, 2025 | Other events ↗ |
| Dec 5, 2025 | Other events ↗ |
| Dec 4, 2025 | Director or officer change ↗ |
| Nov 13, 2025 | Regulation FD ↗ |
| Oct 28, 2025 | Results ↗ |